In-vehicle settlement system, in-vehicle settlement device, and in-vehicle settlement communication interface card

The present invention relates to an in-vehicle payment system for making payments by ETC (Electronic Toll Collection, registered trademark, the same applies hereinafter), an in-vehicle payment device, and an in-vehicle payment communication interface card.

In recent years, the ETC system has become widespread as a method of paying toll road tolls. In order to use the ETC system, an ETC card equipped with an integrated circuit that stores user identification information and DSRC (Dedicated Short Range Communication) based on the user identification information of the ETC card are used. An ETC on-board unit for communicating with a road-to-vehicle communication device (hereinafter referred to as a roadside device) is required.

In the ETC system, the usage status of the user is recorded on the center server via communication between the ETC on-board unit in which the ETC card is inserted and the road-to-vehicle communication device installed at the entrance / exit of the toll road. The usage status will be summarized for each user at regular intervals, and the toll road tolls will be collected after payment in the same way as a credit card.

<patcit num="1"><text>Japanese Unexamined Patent Publication No. 2000-172891</text></patcit>

<p> By the way, conventionally, the ETC system has assumed only the settlement of toll road tolls. However, in the near future, as a type of electronic payment, smart ways that will enable all payments while in a car, such as payments at gas stations and drive-throughs at fast food restaurants, as well as toll road tolls. The concept is becoming a reality.</p><p> According to the smart way concept, DSRC is applied to RVC (Road to Vehicle Communication) and IVC (Inter-Vehicle Communication), and it is also connected to the Internet to enable electronic payment in all aspects. To do.</p><p> However, in the conventional technology represented by the above, since the dedicated on-board unit payment system requires the insertion of the payment card into the dedicated on-board unit, a payment error may occur if the payment card is forgotten to be inserted. It was. If a toll settlement error occurs at the entrance / exit of a toll road, the entrance / exit gate will not open, obstructing the smooth flow of traffic, and there is a risk of a rear-end collision.</p><p> Further, when the smart way concept is realized, it may be necessary to use different payment cards issued by different card issuing organizations for each payment scene. In other words, when purchasing goods and services and making payments with a payment card, as with current credit cards, the store can only make payments with payment cards issued by a specific card issuing organization. Is assumed. Therefore, it is necessary to carry a plurality of payment cards and reinsert them into the dedicated on-board unit each time, which may cause troublesome management of the payment cards and reinsertion.</p><p> The in-vehicle payment system, the in-vehicle payment device, and the in-vehicle payment communication interface card disclosed below are designed to solve the above problems (problems), and the payment card is inserted into the dedicated in-vehicle device. The purpose is to enable electronic payment by the in-vehicle payment system without performing the above, and to enable electronic payment by the in-vehicle payment system without possessing a plurality of payment cards.</p>

<p> In order to solve the above-mentioned problems and achieve the purpose, the disclosed in-vehicle payment system, in-vehicle payment device, and in-vehicle payment communication interface card have an electronic payment function capable of short-range wireless communication by establishing authentication communication. It has a mobile terminal device, a payment information receiving unit that receives information related to electronic payment from a vehicle, and a server-side payment processing unit that performs payment processing based on the information related to the electronic payment received by the payment information receiving unit. The payment server, the electronic payment enablement determination unit that determines whether or not the own vehicle is located in an area where electronic payment is possible with the payment server via road-to-vehicle communication, and the electronic payment enablement determination unit provides the payment server and electronic payment. A user information transmission unit that transmits user information to a payment server when electronic payment is made when it is determined to be located in a possible area and authentication communication is established with a mobile terminal device in the vehicle, a payment server, and the payment server. The payment processing unit includes an in-vehicle payment device having a payment processing unit that processes electronic payment based on information from the mobile terminal device, and the payment processing unit performs electronic payment between the electronic payment function of the mobile terminal device and the payment server. Is one of the requirements for relay processing.</p>

<p> According to the disclosed in-vehicle payment system, in-vehicle payment device, and in-vehicle payment communication interface card, the in-vehicle payment device relays the electronic payment function of the mobile terminal device and the electronic payment performed between the payment server. Therefore, even if the payment card is not inserted, the in-vehicle payment device can make a payment by using the electronic payment function of the mobile terminal device, and it is possible to prevent troubles caused by forgetting to insert the payment card. It has the effect of being able to do it.</p><p> In addition, by using the electronic payment function of a highly versatile mobile terminal device, it is possible to make a centralized payment using the electronic payment function of the mobile terminal device without having to carry multiple payment cards. Play.</p>

An example of the embodiment relating to the in-vehicle payment system, the in-vehicle payment device, and the in-vehicle payment communication interface card will be described in detail with reference to the attached drawings. Before showing an example of the first embodiment to the third embodiment relating to the in-vehicle payment system, the in-vehicle payment device, and the in-vehicle payment communication interface card, the in-vehicle payment system according to the example of the embodiment is shown below. , An outline of an in-vehicle payment system including an in-vehicle payment device and an in-vehicle payment communication interface card will be described.

As shown in FIG. 1, the in-vehicle payment system S according to an example of the embodiment includes an in-vehicle payment device 10 such as an ETC in-vehicle device mounted on the vehicle 1, an in-vehicle payment device 10, and short-range wireless communication (for example,). , Bluetooth (registered trademark), infrared communication, UMB (Ultra Mobile Broadband)) and electronic payment function (for example, Osaifu Keitai (registered trademark, the same applies hereinafter), etc.) Includes a roadside unit 200 that performs road-to-vehicle communication via the payment device 10 and the antenna 13a, a core network 300 that is a barrier for connecting the roadside unit 200 to network N, and a payment server 400 connected to network N. .. The payment server 400 is a server device that performs payment processing for payment of charges and prices with the in-vehicle payment device 10.

In the in-vehicle payment system S, the roadside machine 200 is installed around a toll road gate device, a drive-through sales window of a fast food restaurant, and the like. The roadside machine 200 cooperates with the ETC toll system server of the toll road and the sales management system server of the fast food restaurant. In this way, the mobile phone terminal device 100 and the payment server 400 are indirectly connected to each other so that they can communicate with each other. Therefore, between the payment function of the mobile phone terminal device 100 and the payment server 400, for example, electronic money, etc. Electronic payment is possible.

[Example of the first embodiment] With reference to FIGS. 2 to 6, the line between the in-vehicle payment device 10a included in the in-vehicle payment system S according to the example of the first embodiment, the payment server 400, the roadside machine 200, and these devices. The electronic payment processing to be performed will be described.

First, the configuration of the in-vehicle payment device 10a will be described with reference to FIG. FIG. 2 is a functional block diagram showing the configurations of the in-vehicle payment device 10a and various devices connected to the in-vehicle payment device 10a.

As shown in FIG. 2, the vehicle-mounted payment device 10a can communicate with the travel control device 20 via the vehicle-mounted network 50 using the vehicle-mounted network interface unit 14 as an interface in the vehicle 1a. The travel control device 20 controls various control devices (drive motor control device, braking device control device, various sensors, etc.) that control the travel of the vehicle 1a. In particular, the vehicle speed sensor 21 for detecting the vehicle speed of the vehicle 1a is connected to the travel control device 20 according to the example of the first embodiment, but other connected components are omitted.

The in-vehicle payment device 10a is connected to the car navigation device 17 via the input interface unit 18. The car navigation device 17 stores a vehicle position acquisition unit 17a that acquires the vehicle position using GPS (Global Positioning System) or the like, and a map that stores map information including road information necessary for the vehicle 1a to travel. It has an information storage unit 17b.

Further, the in-vehicle payment device 10a is wirelessly connected to the mobile phone terminal device 100 by communication control via the short-range wireless communication interface unit 15 by the short-range wireless communication control unit 12. The mobile phone terminal device 100 is not limited to the device 100, and any device may be used as long as it has a wireless communication function and an electronic payment function.

Further, the in-vehicle payment device 10a is wirelessly connected to the roadside unit 200 by communication control via the antenna 13a by the communication control unit 13. Further, the in-vehicle payment device 10a has a card information reading unit 16a into which a payment card 16a1 for an in-vehicle payment device, which is the size of a credit card and has an integrated circuit mounted, can be inserted. The card information reading unit 16a includes an integrated circuit capable of reading and writing information with and from an integrated circuit mounted on the payment card 16a1 for an in-vehicle payment device.

The in-vehicle payment device 10a has a payment control unit 11 as a function related to payment processing with the payment server 400. The payment control unit 11 is a control device such as a microcomputer. The payment control unit 11 has a DSRC settlement possible area detection unit 11a, a user information transmission unit 11b, and a payment processing unit 11c.

The DSRC settlement possible area detection unit 11a determines whether or not the vehicle 1a exists in the DSRC settlement possible area based on the own vehicle position information and the map information input from the car navigation device 17. Alternatively, the DSRC settlement possible area detection unit 11a may determine that the vehicle 1a exists in the DSRC settlement possible area by detecting the output radio wave of the roadside unit 200 that relays the DSRC settlement.

When determining that the vehicle 1a exists in the area where DSRC settlement is possible, it is a condition that the vehicle speed of the vehicle 1a detected by the vehicle speed sensor 21 is a certain value (for example, 20 km / h) or less. This is because no matter how much the vehicle 1a exists in the area where DSRC payment is possible, if the vehicle speed is above a certain value, smooth payment processing cannot be performed. If vehicle 1a is present at the doorway of a toll road, it is desirable that the vehicle speed is, for example, 20 km / h. If the vehicle 1a is located at the sales window of a fast food restaurant, it is desirable that the vehicle speed is 0 km / h, for example.

The user information transmission unit 11b transmits the user information stored in the integrated circuit of the payment card 16a1 for the vehicle-mounted payment device or the mobile phone terminal device to the roadside unit 200 via the communication control unit 13. The roadside machine 200 transmits the user information to the payment server 400 via the network N. In this way, the authentication communication is established between the mobile phone terminal device brought into the passenger compartment of the vehicle 1a and the payment server 400.

The payment processing unit 11c performs payment processing of the payment amount by the electronic payment function of the payment card 16a1 for the in-vehicle payment device or the mobile phone terminal device 100 in response to the payment processing requested by the payment server 400 based on the user information. .. That is, when the payment is made by the payment card 16a1 for the in-vehicle payment device, the payment is sent to the payment server 400 to the effect that the payment is made by the payment card for the in-vehicle payment device. Alternatively, when making a payment by the electronic payment function of the mobile phone terminal device 100, the payment is sent to the payment server 400 to the effect that the payment is made by the electronic payment function of the mobile phone terminal device 100. The user can arbitrarily select which method to settle. When the payment card 16a1 for the in-vehicle payment device is not inserted in the card information reading unit 16a, the payment server 400 is notified that the payment is made by the electronic payment function of the mobile phone terminal device 100. Alternatively, it may be possible to preferentially set the payment by the electronic payment function of the mobile phone terminal device 100.

When the electronic payment function of the mobile phone terminal device 100 handles prepaid electronic money, the balance information of the electronic money is simultaneously transmitted to the payment server 400. The payment server 400 performs payment processing by the payment card payment processing for the in-vehicle payment device or the electronic payment function of the mobile phone terminal device 100 based on the information transmitted from the payment processing unit 11c, and processes the payment processing unit 11c. Notify the result.

Next, the configuration of the payment server 400 will be described with reference to FIG. As shown in the figure, the payment server 400 includes a control unit 401 which is a control device such as a microcomputer, a payment facility identification information storage unit 402, a payment system user information management unit 403, and a communication control unit 404. And have.

The control unit 401 has a user information management unit 401a and a payment processing unit 401b. The user information management unit 401a manages the user identification information transmitted from the in-vehicle payment device 10a and the identification information of the roadside machine 200 that has transmitted the user identification information. The user information management unit 401a refers to the payment-capable facility identification information table illustrated in Fig. 4-1 based on the identification information of the roadside machine 200 transmitted from the in-vehicle payment device 10a, and makes payment-enabled facilities (payment system). Identify (available facilities) (acquire the corresponding payment system available facility identification information).

Then, the user information management unit 401a exemplifies the user identification information transmitted from the in-vehicle payment device 10a, the user name based on the user identification information, and the payment system available facility identification information in FIG. 4-2. The payment system is stored in the user information management table.

The payment processing unit 401b calculates the billing price according to the usage status of the user managed by the payment system user information management unit 403, and approves the payment of the credit card company or electronic money management company connected to the network N. Request payment approval from the server. When the management server notifies the payment approval, the payment processing unit 401b transmits the payment completion to the in-vehicle payment device.

Next, the configuration of the roadside machine 200 will be described with reference to FIG. As shown in the figure, the roadside machine 200 has a control unit 201 which is a control device such as a microcomputer. The control unit 201 includes a short-range wireless communication control unit 201a that controls short-range wireless communication with the in-vehicle payment device 10a, information related to payment (user identification information, payment card 16a1 identification information for the in-vehicle payment device, electronic). The network communication control unit 201c that transmits and receives the information relayed by the payment information relay unit 201b that relays (money information, etc.) and the payment information relay unit 201b to and from the core network 300 via the network communication control unit 201c. And have.

Next, with reference to FIG. 6, the payment process performed by the in-vehicle payment system S will be described. Here, an example of making a payment using the electronic payment function of the mobile phone terminal device 100 will be described. As shown in the figure, when a person possessing a mobile phone terminal device 100 having an electronic payment function gets on the vehicle 1a, authentication communication by short-range wireless communication is established with the in-vehicle payment device 10a ( Step S101).

Subsequently, the in-vehicle payment device 10a establishes an authentication communication with the roadside unit 200 when it becomes necessary to perform electronic payment (step S102). Subsequently, the in-vehicle payment device 10a transmits the payment method to the payment server 400 via the roadside machine 200 (step S103, step S104).

Subsequently, the in-vehicle payment device 10a provides vehicle information (including user identification information, in-vehicle payment device payment card identification information, identification information of a mobile phone terminal device having an electronic payment function, etc.) to the roadside unit 200. It is transmitted to the payment server 400 via (step S105, step S106).

Subsequently, the in-vehicle payment device 10a transmits payment conditions (including payment history, electronic money balance information, etc.) to the payment server 400 via the roadside machine 200 (step S107, step S108).

Subsequently, the payment server 400 transmits a charge bill to the in-vehicle payment device 10a (step S109, step S110). Subsequently, the in-vehicle payment device 10a makes a payment request to the mobile phone terminal device 100 (step S111). Subsequently, the mobile phone terminal device 100 confirms that a payment request has been made to the in-vehicle payment device 10a (step S112), and when the confirmation is obtained, payment information (identification of electronic money information or post-pay type electronic money). (Including information, etc.) is transmitted to the payment server 400 (step S113, step S114, step S115).

Upon receiving the payment information, the payment server 400 requests the payment approval server of the credit card company or the electronic money management company for the payment approval, and when the payment approval is obtained, the payment approval is transmitted to the mobile phone terminal device 100 ( Step S116, Step S117, Step S118). By displaying the payment approval received by the mobile phone terminal device 100 on the screen, the payment process performed by the in-vehicle payment system S is completed.

According to the in-vehicle payment system S and the in-vehicle payment device 10a shown in the above example of the first embodiment, the electronic money function such as Osaifu-Keitai is used in the smart way concept while utilizing the infrastructure of the conventional ETC payment system. It is possible to diversify payment method channels and improve user convenience. In addition, even if you forget to insert the payment card for the in-vehicle payment device into the ETC in-vehicle device and reach the ETC lane at the entrance of the toll road, you can settle with the electronic money function such as Osaifu-Keitai instead of the payment card for the in-vehicle payment device. Therefore, it is possible to prevent the occurrence of an accident such as the gate not opening in the ETC lane.

[Example of the second embodiment] The configuration of the in-vehicle payment device 10a shown in the example of the first embodiment has a short-range wireless communication function (short-range wireless communication control unit 12 and short-range) with the mobile phone terminal device 100 as compared with the conventional in-vehicle payment device. Wireless communication interface section 15) has been added. On the other hand, the in-vehicle payment device 10b and the in-vehicle payment device 10c in the vehicle 1b shown in the example of the second embodiment have the same configuration as the conventional in-vehicle payment device, and are the short-range wireless communication control unit 12 and the short-range. It does not have a wireless communication interface unit 15.

As shown in FIGS. 7 and 8, in the in-vehicle payment device 10b, the card information reading unit 16b exchanges information with the short-range wireless communication control unit 16b11, the short-range wireless communication interface unit 16b12, and the card information reading unit 16b. A card-type interface 16b1 having a card reader interface unit 16b13, which is a possible integrated circuit, can be inserted.

The substrate of the card-type interface 16b1 has the same shape and size as a payment card or credit card for a normal in-vehicle payment device. Alternatively, a normal in-vehicle payment device payment card or credit card may be used as the substrate.

The card reader interface unit 16b13 is an integrated circuit mounted on the same portion as a payment card or credit card for a normal in-vehicle payment device. By exchanging information between the card information reading unit 16b and the card reader interface unit 16b13, short-range wireless communication between the in-vehicle payment device 10b and the mobile phone terminal device 100 becomes possible, and the first embodiment It is possible to perform the same processing as the in-vehicle payment device 10a shown in one example.

Further, as shown in FIGS. 9 and 10, in the in-vehicle payment device 10c, the card information reading unit 16b is a mobile phone terminal device 100a having a short-range wireless communication control unit 100a1 and a short-range wireless communication interface unit 100a2. card interferon having the mobile phone terminal communication interface 16c11 and a card reader interface 16c12 for short-range wireless communication with Esu 16c1 is insertable.

The substrate of the card-type interface 16c1 has the same shape and size as a payment card or credit card for a normal in-vehicle payment device. Alternatively, a normal in-vehicle payment device payment card or credit card may be used as the substrate.

The card reader interface unit 16c12 is an integrated circuit mounted on the same part as a payment card or credit card for a normal in-vehicle payment device. By exchanging information between the card information reading unit 16c and the card reader interface unit 16c12, short-range wireless communication between the in-vehicle payment device 10c and the mobile phone terminal device 100 becomes possible, and the first embodiment It is possible to perform the same processing as the in-vehicle payment device 10a shown in one example.

The mobile phone terminal device 100a can perform short-range wireless communication with the mobile phone terminal device 100 having an electronic payment function via the short-range wireless communication control unit 100a1 and the short-range wireless communication interface unit 100a2. That is, the mobile phone terminal device 100 having an electronic payment function can communicate with the in-vehicle payment device 10b via the mobile phone terminal device 100a and the card-type interface 16c1.

According to the in-vehicle payment device 10c, the card-type interface 16b1 and the card-type interface 16c1 shown in the example of the second embodiment, in addition to the effect of the in-vehicle payment device 10a shown in the example of the first embodiment, the existing one. Since it is possible to make payments by communicating with Osaifu-Keitai, etc. using the in-vehicle payment device such as ETC in-vehicle device, the cost burden on the user can be reduced and the Osaifu-Keitai, etc. and the in-vehicle payment device 10b can be used. Enables cooperation.

Although an example of the embodiment of the present invention has been described above, the present invention is not limited to this, and is further implemented in various different embodiments within the scope of the technical idea described in the claims. It may be. Moreover, the effect described in the example of the embodiment is not limited to this.

Further, among the processes described in the example of the above-described embodiment, all or a part of the processes described as being automatically performed can be manually performed, or the processes described as being manually performed. It is also possible to automatically perform all or part of the treatment by a known method. In addition, the processing procedure, control procedure, specific name, and information including various data and parameters shown in the example of the above embodiment can be arbitrarily changed unless otherwise specified.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of the device is functionally or physically distributed / physically in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

Furthermore, each processing function performed by each device includes a CPU (Central Processing Unit) (or a microcomputer such as an MPU (Micro Processing Unit) or an MCU (Micro Controller Unit)) and any part thereof. It may be realized by a program that is analyzed and executed by the CPU (or a microcomputer such as an MPU or MCU), or may be realized as hardware by wired logic.

<figref num="1">It is a figure which shows the structure of the car-mounted payment system which concerns on an example of embodiment.</figref><figref num="2">It is a functional block diagram which shows the structure of the in-vehicle payment device and the connected device which concerns on an example of 1st Embodiment.</figref><figref num="3">It is a functional block diagram which shows the structure of the payment server.</figref><figref num="4-1">It is a figure which shows an example of the settlementable facility identification information table.</figref><figref num="4-2">It is a figure which shows an example of the payment system user information management table.</figref><figref num="5">It is a functional block diagram which shows the structure of the roadside machine.</figref><figref num="6">It is a sequence diagram which shows the payment processing performed in the in-vehicle payment system.</figref><figref num="7">It is a functional block diagram which shows the structure of the in-vehicle payment device and the connected device which concerns on an example of 2nd Embodiment.</figref><figref num="8">It is a functional block diagram which shows the structure of the card type interface which concerns on an example of 2nd Embodiment.</figref><figref num="9">It is a functional block diagram which shows the structure of the in-vehicle payment device and the connected device which concerns on an example of 2nd Embodiment.</figref><figref num="10">It is a functional block diagram which shows the structure of the card type interface which concerns on an example of 2nd Embodiment.</figref>

Code description

N network S In-vehicle payment system 1, 1a, 1b vehicle 10, 10a, 10b, 10c In-vehicle payment device 11 Payment control unit 11a Settleable area detector 11b User information transmitter 11c Payment processing department 12 Near field communication control unit 13 Communication control unit 13a antenna 14 In-vehicle network interface section 15 Short-range wireless communication interface 16a, 16b, 16c Card information reader 16a1 Payment card for in-vehicle payment device 16b1, 16c1 card interface 16b11 Near field communication control unit 16b12 Near field communication interface 16b13 Card reader interface section 16c11 Mobile phone terminal device communication interface 16c12 Card reader interface 17 Car navigation device 17a Vehicle position acquisition section 17b Map information storage 18 Input interface section 20 Driving control device twenty one Vehicle speed sensor 50 In-vehicle network 100, 100a mobile phone terminal device 100a1 Near field communication control unit 100a2 Short-range wireless communication interface 100a mobile phone terminal device 200 roadside machine 201a Near field communication control unit 201b Payment information relay 201c Network communication control unit 201 Control unit 300 core network 400 payment server 401 Control 401a User Information Management Department 401b Payment processing department 402 Settleable facility identification information storage 403 Payment system user information management department 404 Communication control unit